This specific tenant is in a program so the longer they take to send me the document, the chances of issues coming about is higher.

Either way, most banks have other programs that could help you out.

If they were insured with Cal Safe they are both dramatically underinsured and a single neighborhood would deplete the programs' reserves. 

If you Bank/Lender does not allow it you can refinace the mortgage into a DSCR or true Portfolio loan program. 

There is no additional "risk" on the note like a demand clause etc, but you have  extra expense in upfront one time costs and the pre-payment penalty that most programs are sold with if rates do drop as expected in the future.  

You can program individual access codes to work only during a certain time frame.

This criteria is for 1-4 and 5-8 unit programs.

I'm also a licensed mortgage broker with a lot of fix-and-flip programs, including some that require as little as 10% down on the purchase price, and provide 100% of the rehab funding.

If you choose to go with a first time home buyer program, you would need to identify all the terms and advantage of that as MANY are available.

This is required for most landlords in the city, as part of the rental property registration program.